Call reports 2005
BANK OF MODESTO — 2005
What BANK OF MODESTO reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 22,259,000 | 21,518,000 | 22,350,000 | 22,920,000 |
| Total loans | 15,847,000 | 16,627,000 | 17,439,000 | 18,067,000 |
| Allowance for loan losses | 125,000 | 125,000 | 112,000 | 132,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,831,000 | 3,758,000 | 3,497,000 | 3,550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,866,000 | 18,080,000 | 18,829,000 | 19,364,000 |
| Interest-bearing deposits | 16,275,000 | 15,499,000 | 11,721,000 | 16,401,000 |
| Noninterest-bearing deposits | 2,591,000 | 2,581,000 | 7,108,000 | 2,963,000 |
| Equity capital | 3,087,000 | 3,159,000 | 3,233,000 | 3,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 276,000 | 570,000 | 872,000 | 1,191,000 |
| Interest expense | 57,000 | 117,000 | 184,000 | 261,000 |
| Net interest income | 219,000 | 453,000 | 688,000 | 930,000 |
| Noninterest income | 19,000 | 41,000 | 62,000 | 84,000 |
| Noninterest expense | 132,000 | 271,000 | 416,000 | 614,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 106,000 | 223,000 | 334,000 | 380,000 |
| Income tax | 24,000 | 69,000 | 106,000 | 129,000 |
| Net income | 82,000 | 154,000 | 228,000 | 251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,087,000 | 3,159,000 | 3,233,000 | 3,181,000 |
| Total capital | 3,212,000 | 3,284,000 | 3,345,000 | 3,313,000 |
| Risk-weighted assets | 16,677,000 | 17,023,000 | 17,973,000 | 18,675,000 |
Machine access — free, no API key
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